A new global business integrating our retail and commercial banking business to better serve our customers, improve efficiency and drive value creation.

• Implement a common operating model, leveraging the Group’s global scale and our local presence
  
  
• Spread transformation efforts across Retail & Commercial Banking’s footprint to foster simplification, process automation and deployment of our best-in-class tech platform
  
  
• Further increase profitability, supported by customer base growth and cost-to-serve efficiencies